Auto Loans
Trade-in your dealer loan for money-saving loans and Vehicle protection services
Introducing Smart Rate Auto Loans!
Secure an auto loan rate with CFCCU, and if rates decrease or your credit score increases, you will have the opportunity to refinance the loan for a lower interest rate. The best part is, you do not have to go anywhere else to refinance your loan! We will take care of you right here at CFCCU. Terms and conditions apply.
What would you like to do?
refinance or Apply for an auto loan today.
Is it time for an upgrade?
Need a new vehicle for your growing family? Want a vehicle with better gas mileage? Is there a sports car catching your eye? No matter what you’re buying, financing your new or used vehicle with CFCCU is the easiest part of the process.
“Between the Gap Production, Extended Warranty & the lower interest rate, we were able to save $7,244.71 with CFCCU“
-Crystal & Craig
“CFCCU saved us $754.24 on our extended warranty over what the dealership offered.”
-Deb and Jim
Calculate your loan payment!
Use the calculator below to estimate what you can afford.
Auto Loan Rates
New Vehicle Loans
2022 & newer with 20,000 miles or less
Loan Term
APR¹ as low as
EXAMPLE: A $50,000 loan for a term of 84 months with a 6.79% APR¹, the monthly payment will be $750.
Used Vehicles
2021 & newer with over 20,000 miles
Loan Term
APR¹ as low as
Used Vehicles
2020 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2019 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2018 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2017 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2016 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2015 Model Year
LoanTerm
APR¹ as low as
Used Vehicles
2014 and Older Model Year
Loan Term
APR¹ as low as
¹APR – The Annual Percentage Rate is a variable rate and is subject to change without notice.
All loans are subject to approval. Rates, terms, and conditions are subject to change. Up to NADA retail.
Protect Your Investment
Skip Your Loan Payments
You are allowed to skip one monthly, two bi-weekly or four weekly payments on your CFCCU consumer loans*. You can utilize Skip-A-Payment ONCE per
*Skip-A-Pay Disclosures
By choosing “Skip-A-Payment” you agree: that interest will continue to accrue during the “Skip-A-Payment” period; that by electing to skip a payment the total interest charge will increase and extend the time required to pay your loan (s) in full based on your required minimum monthly payment; that any internal “distribution” will stop for the month being skipped, and restart the following month; that automatic payments coming from another financial institution will be deposited to your savings account at CFCCU. All loans must be current and in good standing. All requests for the “Skip-A-Payment” promotion are subject to approval. Loans secured by real-estate, single payment notes, business loans, Overdraft Protection Line of Credit loans, and credit cards are not eligible. GAP insurance may not cover skipped payments in the event a claim is filed (refer to your GAP contract for details).
To